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      "subjects": [
        "300.330.330A"
      ],
      "keywords": "PDRB, Keuangan Digital, Kredit Perbankan, Fintech Lending,\r\nTeknologi Digital, Penduduk Bekerja, Digital Finance, Bank Credit, Fintech Lending, Digital\r\nTechnology, Employment.",
      "datestamp": "2026-09-10 03:41:43",
      "title": "PENGARUH KEUANGAN DIGITAL TERHADAP PRODUK\r\nDOMESTIK REGIONAL BRUTO \r\nDI INDONESIA",
      "thesis_type": "bachelor",
      "creators": [
        {
          "name": {
            "honourific": null,
            "given": "Dita Fernanda",
            "family": "Putri",
            "lineage": null
          },
          "nim": "22.91.0245"
        }
      ],
      "divisions": [
        "ekn"
      ],
      "contributors": [
        {
          "name": {
            "honourific": null,
            "given": "Ismadiyanti Purwaning",
            "lineage": null,
            "family": "Astuti"
          }
        }
      ],
      "lastmod": "2026-09-10 03:41:43",
      "abstract": "Indonesia sebagai negara kepulauan terbesar dengan populasi lebih dari 287 juta\r\njiwa memiliki potensi ekonomi yang besar. Produk Domestik Regional Bruto\r\n(PDRB) menjadi indikator penting untuk menilai kontribusi daerah terhadap\r\npendapatan nasional. Periode 2020-2024 menunjukkan tren peningkatan\r\nPDRB, mencerminkan pemulihan ekonomi pasca pandemi dan transformasi\r\nstruktural. Namun, distribusi PDRB antar provinsi masih tidak merata DKI\r\nJakarta mencatat PDRB tertinggi, sementara Maluku terendah. Ketimpangan ini\r\ndiduga dipengaruhi oleh perbedaan akses pembiayaan, pemanfaatan teknologi\r\ndigital, dan kapasitas penduduk bekerja. Penelitian ini menghadirkan kebaruan\r\ndengan menggabungkan kredit bank umum dan fintech lending dalam satu\r\nmodel untuk mengevaluasi pengaruhnya terhadap PDRB provinsi. Fokus\r\npenelitian adalah empat variabel independen: adopsi teknologi, kredit\r\nperbankan, fintech lending, dan jumlah penduduk yang bekerja, menggunakan\r\ndata cross-sectional 2024 dari Badan Pusat Statistik dan Otoritas Jasa\r\nKeuangan. Analisis dilakukan melalui regresi linear berganda dengan\r\npendekatan Ordinary Least Squares (OLS). Sebelum estimasi, dilakukan uji\r\nasumsi klasik meliputi normalitas, multikolinearitas, heteroskedastisitas, dan\r\nautokorelasi untuk memastikan validitas hasil. Hasil penelitian menunjukkan\r\nbahwa teknologi berpengaruh positif dan signifikan terhadap PDRB,\r\nmenunjukkan bahwa peningkatan kapasitas teknologi mendorong pertumbuhan\r\nekonomi daerah. Kredit bank umum juga memiliki pengaruh positif dan sangat\r\nsignifikan, menjadi variabel paling dominan dalam pembentukan PDRB.\r\nJumlah penduduk yang bekerja berpengaruh positif dan signifikan, menegaskan\r\nperan penting penduduk bekerja. Sebaliknya, fintech lending memiliki\r\npengaruh negatif dan tidak signifikan, menunjukkan ekspansi pinjaman fintech\r\nbelum menciptakan nilai tambah yang terukur bagi PDRB. Secara simultan,\r\nseluruh variabel independen berpengaruh signifikan, dan model mampu\r\nmenjelaskan variasi PDRB secara tinggi, menunjukkan validitas penelitian\r\nyang baik.",
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      "institution": "Universitas AMIKOM Yogyakarta",
      "eprintid": 32696,
      "dir": "disk0\/00\/03\/26\/96",
      "thesis_name": "skripsi",
      "type": "thesis",
      "status_changed": "2026-09-10 03:41:43",
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